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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $154,431 | $148,629+3.9% | $135,982+13.6% | $139,487+10.7% |
| Participation rate | 90.9% | 83.9%+7.0pp | 81.9%+9.0pp | 80.3%+10.6pp |
| Annual return | 15.83% | 79.33%-63.5pp | 68.32%-52.5pp | 373.84%-358.0pp |
| Employer contribution / active EE | $5,638 | $5,247+7.5% | $4,859+16.0% | $4,755+18.6% |
| Participant deferral / active EE | $14,956 | $8,102+84.6% | $7,760+92.7% | $6,713+122.8% |
| Admin fee / account holder | $2,601 | $12,406-79.0% | $10,767-75.8% | $11,407-77.2% |